Drone Camera & Equipment Insurance
Because a busted drone shouldn’t ground your business.
Benefits of Drone Camera and Equipment Insurance for Aerial Creators
Drone camera and equipment coverage (aka inland marine insurance) is designed to help you pay for repairs or replacements if your gear gets damaged or stolen. Replacing gear is expensive, but drone camera and equipment coverage can protect your profits. It also:
- Offers coverage up to $15,000 per item and $75,000 total
- Helps protect drones, controllers, monitors, batteries, cases, and similar items you use for your photography or videography business
- Covers incidents tied to travel or transport
- Covers damage caused by a third party
Full Frame Insurance Has Your Back
Accidents happen, even to the most careful professionals. FFI coverage is built to help pay for repairs and replacements if they happen to your gear.
Get peace of mind today.
All policies have conditions, limitations, and exclusions, so be sure to review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
What Is Drone Camera Insurance & What Does It Cover?
Drone camera and equipment insurance is designed to protect the transportable gear you use to conduct your business from common risks. It’s intended to keep you from paying out of pocket to fix or replace equipment if it’s lost or damaged.
FFI’s drone camera insurance covers equipment you own or rent for work, and applies to drones weighing 30 pounds or less. It’s currently available in all 50 states.
Damage to Your Drone Camera and Equipment on the Job
Example: An unexpected wind gust causes your drone to land awkwardly, breaking a few rotor blades and cracking the camera lens.
Damage to Your Drone Gear During Transportation
Example: You’re driving to a filming location when you’re involved in a collision. The impact from the other vehicle damages most of the equipment in your back seat.
Damage to Your Camera or Equipment by a Third Party
Example: While setting up for a new scene, a crew member accidentally knocks your controller off a table, and it no longer turns on.
Damage to or Loss of Your Camera/Gear as a Result of an Accident
Example: During an outdoor photoshoot, a tree branch sways and hits your drone, causing it to crash and break.
Loss From Theft
Example: There’s a break-in at your studio, and most of your gear is stolen. You file a police report and document your stolen items.
Note: If your gear is left unattended, such as in an unlocked car or studio, and someone steals it, it is not covered.
What Does Drone Camera Insurance Not Cover?
Drone camera insurance does not cover:
- Drones weighing over 30 pounds
- Equipment you rent to others
- Drone equipment that is not listed on your policy
If you replace or obtain new drones, you must update your policy with the new equipment’s information for it to be covered.
Drone Camera and Equipment Insurance Explained
Drone camera and equipment insurance helps protect the gear you rely on for work. Let’s break down the basics, including who needs coverage, how it differs from liability insurance, and what it typically costs.
Is Insurance Required for Professional or Commercial Drone Work?
You are not legally required to carry drone camera equipment insurance. However, it’s essential if you own or rent drone cameras for your business. Your gear is your livelihood, and losing it could cost you money to replace it (and jobs while you’re without it).
Who Needs Drone Camera and Equipment Coverage?
You likely need this coverage if you’re a photographer or videographer who owns or rents drone equipment for work.
We offer coverage for photographers and videographers providing drone services for things like:
- Ceremonies, weddings, and other special events
- Drone work done as part of commercial shoots
- School photos/events
- Wildlife
- Portraits
- Sports events
- Real estate aerial work
- Mapping/inspection professionals
Drone Camera Insurance vs Drone Camera Liability Insurance: What’s the Difference?
Drone Camera Insurance and Drone Camera Liability Insurance are separate coverages. They cover different things and must be purchased separately.*
Drone camera insurance protects the drone equipment if it is damaged or stolen. Drone camera liability insurance is designed to cover damage done to others and others’ property by you/your drone work.
*Note: To obtain drone equipment coverage, you must purchase drone liability insurance.
How Much Does Drone Camera Insurance Cost?
Drone camera equipment insurance starts at $25.83/month or $310 a year when you add it to an annual policy. In total, you have four tiers to choose from:
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$2,000 per item/$20,000 aggregate $25.83/month
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$5,000 per item/$30,000 aggregate $32.08/month
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$10,000 per item/$60,000 aggregate $63.33/month
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$15,000 per item/$75,000 aggregate $82.50/month
Note: All policies include a $250 deductible that you must pay out-of-pocket before Drone Camera Equipment coverage kicks in.
Coverage Details & Limits
Take a closer look at our coverage details and pick the policy that fits your needs!
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit $2,000,000
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
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$0-$100,000 in Annual Sales $129
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$101,000-$200,000 in Annual Sales $209
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$0-$100,000 in Annual Sales +$6.42/month
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$101,000-$200,000 in Annual Sales +$16.50/month
Equipment Insurance Pricing
Designed to cover gear that is owned by you for your business including cameras, lenses, lighting, gimbals, and other equipment. Your Annual+ policy includes $2,000 per occurrence / $20,000 aggregate coverage, but if you have a lot of expensive gear, you may want higher limits. To add more equipment coverage, review the limits and prices below:
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$5,000 per item/$30,000 aggregate $19.75/month or $237/year
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$10,000 per item/ $60,000 aggregate $37.50/month or $450/year
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$15,000 per item/ $75,000 aggregate $47.33/month or $568/year
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Deductible $250
Note: Equipment insurance can only be added to the Annual Insurance Policy. Equipment and gear that is unattended in a vehicle or trailer is excluded.
Helps pay for the damage or theft of drones you own or rent for your business. You can add drone coverage to your existing camera equipment insurance starting at $25.83/month, with the option for higher limits to cover one drone or a whole fleet. See the limits and prices below:
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$2,000 occurrence / $20,000 aggregate $25.83/month or $310/year
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$5,000 occurrence / $30,000 aggregate $32.08/month or $365/year
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$10,000 occurrence / $60,000 aggregate $63.33/month or $760/year
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$15,000 occurrence / $75,000 aggregate $82.50/month or $990/year
Note: Drone coverage can only be added to the Annual+ Insurance Policy, and requires that you also carry Drone Liability Insurance. Drones left unattended in a vehicle or trailer are excluded.
What's Included?
What You Can Add
Annual Policy Limits of Liability
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit $2,000,000
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
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Medical Expense Limit (Any One Person) $5,000
Pricing
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$0-$100,000 in Annual Sales $129
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$101,000-$200,000 in Annual Sales $209
What's Included?
What You Can Add
Event Policy Limits of Liability
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General Aggregate Limit (Other than Products – Completed Operations) $2,000,000
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Products - Completed Operations Aggregate Limit Excluded
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Personal and Advertising Injury Limit $1,000,000
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Each Occurrence Limit $1,000,000
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Damage to Premises Rented to You Limit (Any One Premises) $300,000
-
Medical Expense Limit (Any One Person) $5,000
Pricing
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1-3 Days of Coverage $59
An individual can purchase an unlimited number of additional insured’s for $5 under the event policy.
Common Questions About Drone Camera and Equipment Insurance
Does My Drone Liability Insurance Cover My Camera and Equipment?
No. Liability insurance is designed specifically for damage or harm done to others. So, drone liability insurance applies to damage your drone work unintentionally causes clients, venues, and others around you.
You need drone and camera equipment insurance to cover damage done to the equipment itself. To get this coverage you first must select “Yes” during the checkout process when asked if you want drone coverage. Then you must opt in to gear (inland marine) coverage when prompted.
What Types of Equipment Does Drone Camera Insurance Cover?
Drone and camera equipment insurance covers transportable/mobile gear you use for work, including things like:
- Batteries
- Cameras
- Cases
- Controllers
- Drones
- Laptops
- Lenses
- Monitors
For details on our exclusions, call our customer service department at 844.670.1078 or email us at info@fullframeinsurance.com.
How Quickly Can I Get a Quote for Drone Insurance?
You can get a quote for drone and camera equipment coverage in 10 minutes or less when you apply for an Annual or Annual+ policy.
Equipment coverage is currently not available on Event policies.
What’s the Process for Filing a Claim if My Camera/Gear Is Damaged on a Shoot?
Filing a claim with FFI is easy. Simply follow these steps:
- Gather your policy information, the location, date, and approximate time of the incident, a police report (if applicable), and receipts for items
- Log in to your customer dashboard
- Visit “Manage Policies”
- Click “File a Claim”
- Fill out and submit the form
Note: You must list your drone equipment on your policy for it to be covered. You will be prompted to input your drone’s specs (make, model, serial number) when you purchase this coverage.
How Long Does It Take for a Claim to Be Processed?
Claim processing times typically take two to three weeks. Facilitate a smoother claim process by providing your full cooperation with your claims adjuster.
You're in Good Company with Full Frame
Here’s what other people have to say about their experience.
Really easy & just what I needed now that I’ve upgraded my gear and need to have that peace of mind. Hopefully, I won’t need to submit a claim in the future, but if I do, I hope it goes as well as the purchasing did.
Great, fast insurance at a perfect price. We work and shoot weddins internationally so it was super convenient to have fast, easy coverage for the few weddings that we had in the states this year. There were a couple of changes that I needed to make after purchasing a single-day policy and their customer support was super helpful and fast. Thank you, Full Frame!
The easiest and fastest insurance experience I’ve ever encountered! I was overpaying dramatically for my business insurance before I found Full Frame. I’m so glad I found them!
Quick easy and more affordable than other options. I called to get a question answered and it was a really nice experience, the lady I spoke with was really helpful and kind.
Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️
Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.
Chris Van Leeuwen, CIC | VP of Professional Development
Chris Van Leeuwen is the VP of Professional Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Professional Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.